Multi Currency
BTOBExchange — Banking Gateway
Multi-currency.
One interface, every currency.
Access multi-currency accounts through our fintech partners. EUR, USD, GBP, CNY, AED and more. Manage your international cash flows without friction.
The hidden FX cost
Every unnecessary conversion erodes your margin
When you collect in EUR, pay suppliers in RMB, and hold treasury in USD, FX becomes a real operating cost. Traditional banks usually hide that cost in the spread.
Recommended solutions
Banks and fintechs do not solve the same problem
For many founders, the right strategy is not choosing one platform. It is combining banking credibility, operational speed, and efficient FX.
| Platform | Currencies | FX fees | Edge | Best for |
|---|---|---|---|---|
| Wise Business | 40+ | 0.4–0.6% | Real mid-market rate | International SMEs |
| Airwallex | 20+ | 0.1–0.5% | Local rails in 150+ countries | E-commerce, SaaS |
| Revolut Business | 25+ | 0–0.4% | Corporate cards | Tech startups |
| HSBC Multi-currency | 12 | Bank spread | Banking credibility | Established SMEs |
| DBS Multi-currency | 13 | Bank spread | China / ASEAN link | Asian trade |
| Statrys | 11 | 0.1–0.4% | HK / Asia specialist | Non-resident SMEs |
In many cases the right setup is hybrid: one traditional bank for credibility and local needs, plus one fintech for FX and fast cross-border payments.
How it works
Manage all your currencies in 4 steps
Case study
"Since using Airwallex for FX and Emirates NBD for local operations, his conversion fees dropped by 78%."
A Certified Operator based in Dubai was receiving payments in EUR from European clients, paying suppliers in RMB, and employees in AED. With 3 conversions per month through his local bank, he was losing approximately $2,200/month in invisible FX fees.
Savings achieved
FX fees reduction
Solution deployed
Figures presented are based on a real case. Results may vary depending on profile and volumes.
Features
Everything you need to manage multi-currency
One dashboard for all your currencies, powered by the best fintech partners.
Interbank rates
multi currencyAccess real market rates. Save on every conversion compared to traditional banks.
Local IBANs
multi currencyReceive payments like a local in EUR, GBP, USD, HKD, AED with no receiving fees.
Instant conversion
multi currencyConvert in seconds between all available currencies, 24/7.
Batch payments
multi currencyPay suppliers, salaries, or commissions in bulk across multiple currencies simultaneously.
Mobile app
multi currencyManage your multi-currency treasury from your phone. Rate alerts, quick transfers.
API integrations
multi currencyConnect to your ERP, accounting software, or e-commerce platform via REST API.
FAQ
Frequently asked questions about multi-currency accounts
Explore the rest of the journey
Banking needs rarely come alone
Business accounts, multi-currency, transfers, and payments work as one stack. Move across the services or start with company formation first.
Other Banking Gateway services
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Start with Company Creation
Company formation in 8 jurisdictions, then banking and financial setup through one single partner.
Contact us
Let's talk about your banking project
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